The Research Of Individual Consumer Credit Business Development Strategy NO Kunming Branch X

With the rapid increase of Chinese economy, our standard of living and consumption level have significant changes, demand for consumer credit business has become increasing makes the banking system will continue to increase the variety of business to meet consumer demand. In China, consumer credit is mainly responsible for the commercial banks, by credit to the rapid development of our business in the East, domestic commercial banks also made rich profit and rapid development, however, due to the domestic law of consumer credit is not very sound, resulting in personal consumption consumer credit business in many ways exist defects.PF bank’s personal consumption credit business is relatively simple and traditional, the growing demand for consumers. At the same time, the increase of the consumer credit market competition makes the development of X bank personal consumption credit business more sluggish. In order to solve the above problems, Kunming branch X branch decided to carry out business reform, committed to the current situation of the development of the current sluggish. Therefore, as a pilot PF bank reform, Kunming branch X branch must accurately target market, so as to develop strategies to meet the development of banks.On the basis of the literature at home and abroad personally to Kunming Branch of the Bank of PF x branch obtain first-hand data, through the combination of theory and practice, microcosmic and macroscopic coexistence of analysis method of the Kunming Branch of the Bank of PF x branch of personal consumer credit business development present situation and the existing problems, and through the data speak, commitment to put forward to resolve the problem of Kunming Branch of X branch of personal consumption credit business development hysteresis. X bank Kunming branch should be guided by the market demand, innovation and improve the credit business, and constantly develop new areas of consumer credit development. The author hopes that the Kunming branch of X branch of Bank of China in this paper can provide reference for other similar bank’s business.